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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $388,273 | $183,592+111.5% | $155,574+149.6% | $145,877+166.2% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 24.22% | 61.37%-37.2pp | 64.87%-40.6pp | 551.28%-527.1pp |
| Employer contribution / active EE | $6,726 | $5,317+26.5% | $4,676+43.8% | $4,663+44.2% |
| Participant deferral / active EE | $3,914 | $6,466-39.5% | $5,629-30.5% | $6,691-41.5% |
| Admin fee / account holder | $32,574 | $19,316+68.6% | $15,914+104.7% | $13,402+143.1% |